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  • FIRST POST
    • f0xh0les
    • By f0xh0les 12th Aug 16, 1:55 PM
    • 1,960Posts
    • 17,115Thanks
    f0xh0les
    22 Foxhole East
    • #1
    • 12th Aug 16, 1:55 PM
    22 Foxhole East 12th Aug 16 at 1:55 PM
    I just made my first mortgage overpayment.

    We bought a 5 bed Victorian terraced house in the East Midlands in April 16 that has been badly neglected. It needs everything doing, it has been let out on a room by room basis and used as a rental machine. Now it is our family house (4 kids = one bedroom each!!).

    So far I have replaced 2 Velux on the attic floor so the rain stays on the outside (very rotten frames)

    Have had a full electrical rewire as the wiring was underneath the wallpaper - not boxed or chased in, just behind the wallpaper and skirting boards. Got a shiny certificate and everything now!

    Decorated 4 kids bedrooms and put down new carpets in 3 of them

    On the still to do list for this year

    - new roof and insulation - nails degrading! Snow could cause a huge problem. Better get it sorted really.

    - New shower and bathroom flooring - water damage, holes in floors (!) we should have moved the bath mats when we were viewing, they hid a lot of damage.

    Plastering and decorating.

    Nice carpets!!

    Shelves!

    That will be the two top floors done and I can kid myself I am 2/3rds of the way finished

    Not attempting anything on the ground floor until 2017 - so no talk of log burners,knocking down walls, kitchens, damp proof courses, shower rooms or the like. That way lies madness, shhhhh, next year, at some point...

    So, let's talk money.
    House cost £160,000
    Deposit was £41,315 (sale of previous nasty Manchester Foxhole)
    Amount borrowed £118,685

    We got a 1.94 % fixed for 2 years with Accord which rises to something ridiculous like 7% so remortgage time in 2018

    We will repay £1.82 for every £1 borrowed over the 26.5 year life of the mortgage unless I overpay

    I have just rung Accord, found out I can repay up to 10% of the total amount borrowed (each year without penalty), can make as many overpayments as I like per month without penalty, but cannot check on the balance online. I have to ring up a silly automated 0345 number that will tell me what the balance is! I will have to remember to ring it on my mobile so it is free.

    Monthly Mortgage repayment £467.00
    An overpayment of £200 a month would knock 10.5 years off the life of the mortgage.

    We are planning on spending 5 years living here, and them moving elsewhere due to the nature of DH's work. So, lets see how much I can throw at this mortgage.
    MFW STARTMay 16 £118,340 : Oct17 - £109,49Dec17 £108,80Jan 18 £108,39 Mar18 £108,50 Apr£108,10May£106,99Jun105,99.Jul105,30 Aug£103,99 Sep£102,999 Oct£101,999 Nov£101,300
    £100, 896.17 sub £100k by 2019Mortgage-free wannabe 2018 #65
    Referal code- https://doblotto.com/r/1f87a3
Page 50
    • f0xh0les
    • By f0xh0les 11th Oct 18, 5:04 PM
    • 1,960 Posts
    • 17,115 Thanks
    f0xh0les
    Vegan Magnums -classic and Almond are half price this week - £2 for 3. In the Tosco magazine, first page, is a voucher for £1 off. so £1 for 3. I sent all 4 kids with a voucher each and a £1 coin, and I might have gone round twice. I may take more advantage of this offer tomorrow, when they have replenished their stocks. They look G/F too. Just a heads up - they also have a d/f g/f £1 off voucher for a margarita pizza, but I could not find a price for it on the freezer, so I will go and investigate further tomorrow.
    MFW STARTMay 16 £118,340 : Oct17 - £109,49Dec17 £108,80Jan 18 £108,39 Mar18 £108,50 Apr£108,10May£106,99Jun105,99.Jul105,30 Aug£103,99 Sep£102,999 Oct£101,999 Nov£101,300
    £100, 896.17 sub £100k by 2019Mortgage-free wannabe 2018 #65
    Referal code- https://doblotto.com/r/1f87a3
    • f0xh0les
    • By f0xh0les 12th Oct 18, 7:39 AM
    • 1,960 Posts
    • 17,115 Thanks
    f0xh0les
    m-i-l asked DH last night if it was ok for her to bring things to make a vegan cheesecake while they are here. DS1 has already asked me to make him a cheesecake for his birthday on Monday. What a coincidence!! I will continue with mine, and she can do what she wants.
    Let's face it with 8 of us, one cheesecake will do one sitting, I will not make an enormous one.
    I am not getting involved in competitive cheesecaking.
    She is only going to sulk when it is not perfect, and it all goes in one sitting.
    Cue: Drama and Tantrums....

    Right, last day of school here today. One dressed as an Egyptian, two to football practice, me to be cleaning EVERYTHING not nailed down, and some nailed down stuff too.
    MFW STARTMay 16 £118,340 : Oct17 - £109,49Dec17 £108,80Jan 18 £108,39 Mar18 £108,50 Apr£108,10May£106,99Jun105,99.Jul105,30 Aug£103,99 Sep£102,999 Oct£101,999 Nov£101,300
    £100, 896.17 sub £100k by 2019Mortgage-free wannabe 2018 #65
    Referal code- https://doblotto.com/r/1f87a3
    • Kittenkirst
    • By Kittenkirst 12th Oct 18, 8:08 AM
    • 2,070 Posts
    • 11,329 Thanks
    Kittenkirst
    Vegan Magnums -classic and Almond are half price this week - £2 for 3. In the Tosco magazine, first page, is a voucher for £1 off. so £1 for 3. I sent all 4 kids with a voucher each and a £1 coin, and I might have gone round twice. I may take more advantage of this offer tomorrow, when they have replenished their stocks. They look G/F too. Just a heads up - they also have a d/f g/f £1 off voucher for a margarita pizza, but I could not find a price for it on the freezer, so I will go and investigate further tomorrow.
    Originally posted by f0xh0les
    Thanks for this- off to check it out tonight as we live the almond ones as an indulgent dessert

    Good luck with all the cleaning in prep for the in laws!!
    Last edited by Kittenkirst; 12-10-2018 at 8:12 AM.
    2018 MFW #20 - OP £3846.60/ £3000 128%. Nov: £594.90

    Mortgage Oct '16 £170.995 LTV 90% end Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    Referral codes= Prolific- 8JXN5BVG shopmium- ACEAHKFA Shoppix- 57VB13QH
    • kerri gt
    • By kerri gt 12th Oct 18, 8:49 AM
    • 7,617 Posts
    • 52,278 Thanks
    kerri gt
    Invite Paul and Prue round for the cheesecake judging....
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • f0xh0les
    • By f0xh0les 12th Oct 18, 1:31 PM
    • 1,960 Posts
    • 17,115 Thanks
    f0xh0les
    Two spin closures put on airing cupboard doors.

    Bathroom door sanded so it does not need a hard pull shut. Screws tightened, and if one more child swings on it, I will be cross!!.

    Towels all lined up and very precise. Looking very good and most professional.

    All top floor bedrooms to be tidied tonight and hoovered once the kids tidy them up.

    Coat hooks arrived before 10.30, I was at the top of the stairs when I heard what I thought was one of the top floor blinds shaking in the wind (windows open on top floor to air it) when I saw the letterbox shaking at the bottom of the stairs. Bloddy delivery driver was trying to force the parcel through the letterbox, it would not go, so he left 90% hanging out in the street! He never knocked or even tried to ring the bell. I opened the door to see him running down the road like the very devil was after him and he jumped in his van and sped off. Not acceptable.

    DH announced this morning his mum has more stuff being delivered.

    Step Gran rang to tell me only 5 of the ordered books have arrived and wants to know when the others will arrive - so I am on the case... she is developing an Amaz0n by proxy habit.

    I have nearly beat the back room into submission. Just by moving a bookshelf, I think I may have solved a huge problem. Got everything off the floor. Put all the extra books away, and cleared the space in the middle of the room. Which is amazing. Plus repurposing a bit of furniture without having to take it to the tip. Yay!

    The kids are going to be annoyed, but hey! c'est la vie. They will just have to learn not every room is set up to be a gamers cave. They need to be multipurpose spaces.

    Already have 2 after school club demands -which will take me up to Xmas holidays. This is a 9 week term up til Xmas. It is going to feel very, very long.
    Last edited by f0xh0les; 13-10-2018 at 2:25 PM.
    MFW STARTMay 16 £118,340 : Oct17 - £109,49Dec17 £108,80Jan 18 £108,39 Mar18 £108,50 Apr£108,10May£106,99Jun105,99.Jul105,30 Aug£103,99 Sep£102,999 Oct£101,999 Nov£101,300
    £100, 896.17 sub £100k by 2019Mortgage-free wannabe 2018 #65
    Referal code- https://doblotto.com/r/1f87a3
    • f0xh0les
    • By f0xh0les 12th Oct 18, 1:32 PM
    • 1,960 Posts
    • 17,115 Thanks
    f0xh0les
    Invite Paul and Prue round for the cheesecake judging....
    Originally posted by kerri gt
    I'd rather have Sandi and Noel!
    MFW STARTMay 16 £118,340 : Oct17 - £109,49Dec17 £108,80Jan 18 £108,39 Mar18 £108,50 Apr£108,10May£106,99Jun105,99.Jul105,30 Aug£103,99 Sep£102,999 Oct£101,999 Nov£101,300
    £100, 896.17 sub £100k by 2019Mortgage-free wannabe 2018 #65
    Referal code- https://doblotto.com/r/1f87a3
    • f0xh0les
    • By f0xh0les 13th Oct 18, 12:20 PM
    • 1,960 Posts
    • 17,115 Thanks
    f0xh0les
    The back room is now a back room! One table piled high with random stuff which needs to be collected by its owners, and other printer paper and envelopes and other assorted office stuff to be put in drawers.

    So just a hoover around and then it is only the kitchen to sort out.

    2 kids to ping pong

    1 trip to dump with naked mattress springs, wobble legged desk, random assorted bits of wood, and the last rubble from the chimney opening funtimes.

    This is the first time I have not just been throwing stuff into plastic storage boxes and hiding them. Things are finally finding a home.

    DH is having kittens about the high winds and the roof. There is nothing going on with the roof, but he is panicking anyway, because that is what he does. Funny when it was him that did not want to get it done over summer.
    Oh well, there will be another summer next year, just stay where you are right now ok roof? I will sort you out soon. When I can get all 'the scaffold jobs' done at the same time.

    Does it ever stop? Do you ever get to the point where you go, okay, it is done, yay! or does it turn into - all main jobs done, now redecorating, or annual painting of outside walls, or garden finishing, and improving, and maybe a new.......
    Who am I kidding with all this talk of finishing? - it will just be time to move elsewhere.

    DH has decided he wants to go out for lunch before the in-laws get here, and he is saying( in front of the kids) he wants to go out of a nice meal before going out with them for a stressful meal. He needs to remember they will repeat everything he says back to them. Mind you, he doesn't really care. Then again he can run away to work.

    So, the house is looking pretty housey, and we have been informed they will get to us quite late in the evening on Sunday, which is code for they are stopping off with her brother's family along the way and do not want to admit it.

    I dunno.

    Other people eh?
    MFW STARTMay 16 £118,340 : Oct17 - £109,49Dec17 £108,80Jan 18 £108,39 Mar18 £108,50 Apr£108,10May£106,99Jun105,99.Jul105,30 Aug£103,99 Sep£102,999 Oct£101,999 Nov£101,300
    £100, 896.17 sub £100k by 2019Mortgage-free wannabe 2018 #65
    Referal code- https://doblotto.com/r/1f87a3
    • kerri gt
    • By kerri gt 13th Oct 18, 1:07 PM
    • 7,617 Posts
    • 52,278 Thanks
    kerri gt
    How tempted were you to say 'don't worry, take your time arriving...or even better, don't come at all'
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • in need of direction
    • By in need of direction 13th Oct 18, 2:10 PM
    • 5,411 Posts
    • 32,194 Thanks
    in need of direction
    With your newly developed skills, fancy tackling my back room now?
    Mortgage at 01.01.14 £119,481.83 today £71,743.47, target £65,000 by 05/04/19 Offset fund today £412.27 target £5,500 by 05/04/19
    Emergency fund £1,100/5.5k & £200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • f0xh0les
    • By f0xh0les 13th Oct 18, 2:29 PM
    • 1,960 Posts
    • 17,115 Thanks
    f0xh0les
    They rarely even speak to me if I answer the phone - now they ring when they know DH is home, and I have programmed the ring tone on the landline phone to a 'special' one just for them anyway.

    I am not going to plan an evening meal for them on Sunday, if they may not even turn up here now. They usually rock up around 4.30, if they have decided to go elsewhere first, and they know we eat beween 5 & 6, then they have decided not to join us. I am not going to spend my time trying to second guess what they may or may not decide to do on the day.

    It is all mind games with them anyway, we are coming/ we might not be coming / we are coming on this day / we have changed the ticket / we will be there in the afternoon / late on Sunday evening.
    If knowledge is power, not caring feels even more powerful, and a lot less ridiculous. Bunch of muppets!

    Headboard arrived and assembled
    Two blinds arrived, still need to be put up.

    DH keeps laughing because someone has glued googly eyes on a monument in Savannah, Georgia - have a google I think it adds a certain je ne sais quoi
    Last edited by f0xh0les; 13-10-2018 at 2:34 PM.
    MFW STARTMay 16 £118,340 : Oct17 - £109,49Dec17 £108,80Jan 18 £108,39 Mar18 £108,50 Apr£108,10May£106,99Jun105,99.Jul105,30 Aug£103,99 Sep£102,999 Oct£101,999 Nov£101,300
    £100, 896.17 sub £100k by 2019Mortgage-free wannabe 2018 #65
    Referal code- https://doblotto.com/r/1f87a3
    • f0xh0les
    • By f0xh0les 13th Oct 18, 2:31 PM
    • 1,960 Posts
    • 17,115 Thanks
    f0xh0les
    With your newly developed skills, fancy tackling my back room now?
    Originally posted by in need of direction
    It might have been a fluke, wouldn't like to chance my luck on a second time, besides, i need to work some magic in the kitchen (and use the mop- the floor is bleugh!!)
    MFW STARTMay 16 £118,340 : Oct17 - £109,49Dec17 £108,80Jan 18 £108,39 Mar18 £108,50 Apr£108,10May£106,99Jun105,99.Jul105,30 Aug£103,99 Sep£102,999 Oct£101,999 Nov£101,300
    £100, 896.17 sub £100k by 2019Mortgage-free wannabe 2018 #65
    Referal code- https://doblotto.com/r/1f87a3
    • kerri gt
    • By kerri gt 13th Oct 18, 4:15 PM
    • 7,617 Posts
    • 52,278 Thanks
    kerri gt
    Haha, just googled the statue, brilliant. Do you think it might become a permanent fixture like the cone on the statue in St George Square, Glasgow?

    Guarantee that the out laws turn up right when you're having dinner then and bemoan the fact there is none for them...despite the fact had you made any for them they wouldn't have been hungry because they'd already eaten en-route and thus you shouldn't have bothered. Sound likely?
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • f0xh0les
    • By f0xh0les 13th Oct 18, 5:37 PM
    • 1,960 Posts
    • 17,115 Thanks
    f0xh0les
    Very likely Kerri, I am damned if I do, and damned if I don't.

    MOTH has a cone too, in Wolverhampton's Queen's Square - Man On The Horse, always the place everyone meets up - "where shall we meet?" " by the moth?" "ok".
    In a bizarre turn of events, DH did not want me to take the desk to the tip, it took him 20 minutes, but he managed to bodge it so that the legs behave well and DS2 has claimed it for his room (again - he rejected it 12 months ago). So it is back upstairs.

    Everything else, the rubble, bed springs, odds of wood, books, duvets, all gone from the house and into the right places for recycling. Our dump is actually very good - in the high 80%s gets recycled usually, although I have been there when they were claiming 93% of all stuff was recycled. So not much goes to landfill when you can recycle most of it into something else.

    Another chest of drawers moved from back room (full of DHs craft paint pots)moved to the kitchen and a bit of MDF is spanning the two chests, and the microwave is now at a height that the kids can use it to heat their milk for breakfast and after school snack. 70 seconds does them fine. They are learning independence. Hence the microwave coming down from the top of the fridge freezer, and into a place they can reach now I have shown them how it works and got the idea of NO METAL into their heads.

    Knackered and sweating buckets with all this moving stuff around. The place really is looking quite good (up until the kitchen door!) though.

    I have moved the other fireplace and surround onto the marble hearth of the f-ugiest pink marble fireplace you ever did see. The gas fire has been disconnected, but I have not yet got around to taking it away and knocking the hole out. But at least 90% of it is now hidden behind the new, old one.

    So, on the cards tonight, is ..... cleaning hamster cage (and trying to remember not to refer to the hamster as their great-grandson), cleaning the cooker, putting the new toilet seat on, and folding laundry. I really must get around to bodging some kind of tv in the kitchen.
    I would be much more inclined to spend time in there and clean in the evenings if I had something to take my mind off it. The radio just does not work the same.
    MFW STARTMay 16 £118,340 : Oct17 - £109,49Dec17 £108,80Jan 18 £108,39 Mar18 £108,50 Apr£108,10May£106,99Jun105,99.Jul105,30 Aug£103,99 Sep£102,999 Oct£101,999 Nov£101,300
    £100, 896.17 sub £100k by 2019Mortgage-free wannabe 2018 #65
    Referal code- https://doblotto.com/r/1f87a3
    • Hazelnutty
    • By Hazelnutty 13th Oct 18, 5:50 PM
    • 151 Posts
    • 813 Thanks
    Hazelnutty
    Foxholes I know where you're coming from. I have to say it was a major relief when XH and I separated to know I'd never have to deal with his parents again! (My mum later made a similar comment to me and she's one of those people who really puts effort into getting on with people). It was so stressful I used to feel myself getting more and more anxious as the time of arrival got nearer.

    Well done on the epic decluttering! I can't quite see the storage room as living room yet but hope it won't be too far off.
    • apple muncher
    • By apple muncher 18th Oct 18, 6:48 AM
    • 8,051 Posts
    • 61,422 Thanks
    apple muncher
    Over the hump and on the countdown to departure?
    NST December in the TARDIS #1; NSD 6/15; Shlder Ex 6/21 ; craft 2(261); remove (669)
    2018 Pay off: £4641; 2
    018 sell £98.10; WLOSW 3/10

    Mortgage £18,634 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • in need of direction
    • By in need of direction 18th Oct 18, 8:29 AM
    • 5,411 Posts
    • 32,194 Thanks
    in need of direction
    My in laws are based in London and have only visited when we have paid for flights plus some type of event as a gift. They are quite well off. We no longer buy those types of presents and it's such a relief. They constantly move the goal posts on everything from food times to church attendance. Also, like your DH, mine was never that engaged or that bothered so I'm now just letting him and them get on with whatever, weird to me, relationship that they want. Happily, my children are from a previous marriage so nothing to do with them.

    I too am after a tv for the kitchen and for the same reason. I'm thinking of putting it on my letter to Santa though I'd love to have it in place before that.
    Mortgage at 01.01.14 £119,481.83 today £71,743.47, target £65,000 by 05/04/19 Offset fund today £412.27 target £5,500 by 05/04/19
    Emergency fund £1,100/5.5k & £200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Kittenkirst
    • By Kittenkirst 18th Oct 18, 7:09 PM
    • 2,070 Posts
    • 11,329 Thanks
    Kittenkirst
    Hope the in law visit is going alright and you've managed to keep some sanity
    2018 MFW #20 - OP £3846.60/ £3000 128%. Nov: £594.90

    Mortgage Oct '16 £170.995 LTV 90% end Nov 2041
    Overpayments 2016 £255.50 2017 £2600.40
    Referral codes= Prolific- 8JXN5BVG shopmium- ACEAHKFA Shoppix- 57VB13QH
    • chumpy45
    • By chumpy45 19th Oct 18, 5:40 PM
    • 361 Posts
    • 1,605 Thanks
    chumpy45
    Thinking of you and hoping you are hanging on in there. Just keep swimming ......
    Starting Mortgage 01.08.08 £171,209.24. Mortgage as at 01.09.15 - £54,780.04; 01.11.15 £49,577.04;01.03.16 £45,799.32; 01.08.16 £42,418.93; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017; :) 06.08.18 £24,769.47 01.11.18 £23,825.00 New Target Date Sept 2020
    • f0xh0les
    • By f0xh0les 19th Oct 18, 5:47 PM
    • 1,960 Posts
    • 17,115 Thanks
    f0xh0les
    Just til 11 0' clock tonight, and all day tomorrow to get through. Then an hour Sunday morning......
    MFW STARTMay 16 £118,340 : Oct17 - £109,49Dec17 £108,80Jan 18 £108,39 Mar18 £108,50 Apr£108,10May£106,99Jun105,99.Jul105,30 Aug£103,99 Sep£102,999 Oct£101,999 Nov£101,300
    £100, 896.17 sub £100k by 2019Mortgage-free wannabe 2018 #65
    Referal code- https://doblotto.com/r/1f87a3
    • kerri gt
    • By kerri gt 19th Oct 18, 5:55 PM
    • 7,617 Posts
    • 52,278 Thanks
    kerri gt
    Just til 11 0' clock tonight, and all day tomorrow to get through. Then an hour Sunday morning......
    Originally posted by f0xh0les
    Not that you're counting. Hang in there, we're all rooting for ya
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


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